Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community credit union, under $300M

Light Commerce Federal Credit Union

Houston, TexasCredit UnionDallas Fed districtFees collected Feb 17, 2026Financials Q2 2026

Website

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account Reconciliation$20Within the typical range ($17.50–$25 nationally)

Knox deterministic extraction from Rosetta artifact #7337. canonical_hint=account_research; text_hash=0cd4584135b428c662a049d90f4e0bd6013cc74b6d4255cb4e3caf35f7a8052c; excerpt="Account Reconciliation $20.00" · Source

Monthly Maintenance Fee (Savings) NONE | Account Research$10

$15 below the national median

per month · Knox deterministic extraction from Rosetta artifact #7337. canonical_hint=account_research; text_hash=0cd4584135b428c662a049d90f4e0bd6013cc74b6d4255cb4e3caf35f7a8052c; excerpt="Monthly Maintenance Fee (Savings) NONE | Account Research | $10.00" · Source

Monthly Service Charge (Checking)$0

$5.95 below the national median

per month · Knox read a free fee from Rosetta artifact #7337. canonical_hint=monthly_maintenance; text_hash=0cd4584135b428c662a049d90f4e0bd6013cc74b6d4255cb4e3caf35f7a8052c; excerpt="Monthly Service Charge (Checking) FREE" · Source

Monthly Service Charge (Checking) FREE$5

$0.95 below the national median

per month · Knox deterministic extraction from Rosetta artifact #7337. canonical_hint=monthly_maintenance; text_hash=0cd4584135b428c662a049d90f4e0bd6013cc74b6d4255cb4e3caf35f7a8052c; excerpt="Monthly Service Charge (Checking) FREE | $5.00" · Source

Overdraft & NSFVerified

Insufficient Funds$30Within the typical range ($25–$31 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #7337. canonical_hint=nsf; text_hash=0cd4584135b428c662a049d90f4e0bd6013cc74b6d4255cb4e3caf35f7a8052c; excerpt="Insufficient Funds $30.00" · Source
Overdraft Protection Fee$5Below the typical range ($25–$30 nationally)
$25 below the national median
Knox deterministic extraction from Rosetta artifact #7337. canonical_hint=overdraft; text_hash=0cd4584135b428c662a049d90f4e0bd6013cc74b6d4255cb4e3caf35f7a8052c; excerpt="Overdraft Protection Fee $5.00" · Source

ATM & CardVerified

Replacement Debit Card$10Within the typical range ($5–$10 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #7337. canonical_hint=card_replacement; text_hash=0cd4584135b428c662a049d90f4e0bd6013cc74b6d4255cb4e3caf35f7a8052c; excerpt="Replacement Debit Card $10.00" · Source

Wire TransfersVerified

Wire Transfer (incoming)$15Within the typical range ($5–$15 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #7337. canonical_hint=wire_domestic_incoming; text_hash=0cd4584135b428c662a049d90f4e0bd6013cc74b6d4255cb4e3caf35f7a8052c; excerpt="Wire Transfer (incoming) $15.00" · Source
Wire Transfer (outgoing)$20Within the typical range ($20–$25 nationally)
$2.50 below the national median
Knox deterministic extraction from Rosetta artifact #7337. canonical_hint=wire_domestic_outgoing; text_hash=0cd4584135b428c662a049d90f4e0bd6013cc74b6d4255cb4e3caf35f7a8052c; excerpt="Wire Transfer (outgoing) $20.00" · Source

Check ServicesVerified

Check Copy Fee$2Within the typical range ($2–$5 nationally)
$1 below the national median
Knox deterministic extraction from Rosetta artifact #7337. canonical_hint=check_image; text_hash=0cd4584135b428c662a049d90f4e0bd6013cc74b6d4255cb4e3caf35f7a8052c; excerpt="Check Copy Fee $ 2.00" · Source
Stop Payment$28Within the typical range ($20–$30 nationally)
$1 above the national median
Knox deterministic extraction from Rosetta artifact #7337. canonical_hint=stop_payment; text_hash=0cd4584135b428c662a049d90f4e0bd6013cc74b6d4255cb4e3caf35f7a8052c; excerpt="Stop Payment $28.00" · Source

Cash & DepositVerified

Returned Deposit Item$25Within the typical range ($9–$25 nationally)
$10 above the national median
Knox deterministic extraction from Rosetta artifact #7337. canonical_hint=deposited_item_return; text_hash=0cd4584135b428c662a049d90f4e0bd6013cc74b6d4255cb4e3caf35f7a8052c; excerpt="Returned Deposit Item $25.00" · Source
Returned Deposit Item$10Within the typical range ($9–$25 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #7337. canonical_hint=deposited_item_return; text_hash=0cd4584135b428c662a049d90f4e0bd6013cc74b6d4255cb4e3caf35f7a8052c; excerpt="Returned Deposit Item $10.00" · Source

Account ServicesVerified

Notary Service$5Within the typical range ($0–$5 nationally)
$2.50 above the national median
Knox deterministic extraction from Rosetta artifact #7337. canonical_hint=notary_fee; text_hash=0cd4584135b428c662a049d90f4e0bd6013cc74b6d4255cb4e3caf35f7a8052c; excerpt="| Notary Service | $5.00" · Source

Lending FeesVerified

Skip A Pay$35Above the typical range ($15–$25 nationally)
$12.50 above the national median
Knox deterministic extraction from Rosetta artifact #7337. canonical_hint=late_payment; text_hash=0cd4584135b428c662a049d90f4e0bd6013cc74b6d4255cb4e3caf35f7a8052c; excerpt="Skip A Pay | $35.00" · Source

Other FeesVerified

Photocopy Fee$0.25Below the typical range ($2–$5 nationally)
$2.75 below the national median
Knox deterministic extraction from Rosetta artifact #7337. canonical_hint=document_reproduction; text_hash=0cd4584135b428c662a049d90f4e0bd6013cc74b6d4255cb4e3caf35f7a8052c; excerpt="Photocopy Fee | $0.25" · Source
Statement Copy$2Within the typical range ($2–$5 nationally)
$1 below the national median
Knox deterministic extraction from Rosetta artifact #7337. canonical_hint=document_reproduction; text_hash=0cd4584135b428c662a049d90f4e0bd6013cc74b6d4255cb4e3caf35f7a8052c; excerpt="Statement Copy $2.00" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Reconciliation	$20Within the typical range ($17.50–$25 nationally)	$5 below the national median	—	Knox deterministic extraction from Rosetta artifact #7337. canonical_hint=account_research; text_hash=0cd4584135b428c662a049d90f4e0bd6013cc74b6d4255cb4e3caf35f7a8052c; excerpt="Account Reconciliation $20.00"	Source
Monthly Maintenance Fee (Savings) NONE \| Account Research	$10Below the typical range ($17.50–$25 nationally)	$15 below the national median	per month	Knox deterministic extraction from Rosetta artifact #7337. canonical_hint=account_research; text_hash=0cd4584135b428c662a049d90f4e0bd6013cc74b6d4255cb4e3caf35f7a8052c; excerpt="Monthly Maintenance Fee (Savings) NONE \| Account Research \| $10.00"	Source
Monthly Service Charge (Checking)	$0Below the typical range ($3–$10 nationally)	$5.95 below the national median	per month	Knox read a free fee from Rosetta artifact #7337. canonical_hint=monthly_maintenance; text_hash=0cd4584135b428c662a049d90f4e0bd6013cc74b6d4255cb4e3caf35f7a8052c; excerpt="Monthly Service Charge (Checking) FREE"	Source
Monthly Service Charge (Checking) FREE	$5Within the typical range ($3–$10 nationally)	$0.95 below the national median	per month	Knox deterministic extraction from Rosetta artifact #7337. canonical_hint=monthly_maintenance; text_hash=0cd4584135b428c662a049d90f4e0bd6013cc74b6d4255cb4e3caf35f7a8052c; excerpt="Monthly Service Charge (Checking) FREE \| $5.00"	Source
Overdraft & NSFVerified
Insufficient Funds	$30Within the typical range ($25–$31 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #7337. canonical_hint=nsf; text_hash=0cd4584135b428c662a049d90f4e0bd6013cc74b6d4255cb4e3caf35f7a8052c; excerpt="Insufficient Funds $30.00"	Source
Overdraft Protection Fee
ATM & CardVerified
Replacement Debit Card	$10Within the typical range ($5–$10 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #7337. canonical_hint=card_replacement; text_hash=0cd4584135b428c662a049d90f4e0bd6013cc74b6d4255cb4e3caf35f7a8052c; excerpt="Replacement Debit Card $10.00"	Source
Wire TransfersVerified
Wire Transfer (incoming)	$15Within the typical range ($5–$15 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #7337. canonical_hint=wire_domestic_incoming; text_hash=0cd4584135b428c662a049d90f4e0bd6013cc74b6d4255cb4e3caf35f7a8052c; excerpt="Wire Transfer (incoming) $15.00"	Source
Wire Transfer (outgoing)
Check ServicesVerified
Check Copy Fee	$2Within the typical range ($2–$5 nationally)	$1 below the national median	—	Knox deterministic extraction from Rosetta artifact #7337. canonical_hint=check_image; text_hash=0cd4584135b428c662a049d90f4e0bd6013cc74b6d4255cb4e3caf35f7a8052c; excerpt="Check Copy Fee $ 2.00"	Source
Stop Payment	$28
Cash & DepositVerified
Returned Deposit Item	$25Within the typical range ($9–$25 nationally)	$10 above the national median	—	Knox deterministic extraction from Rosetta artifact #7337. canonical_hint=deposited_item_return; text_hash=0cd4584135b428c662a049d90f4e0bd6013cc74b6d4255cb4e3caf35f7a8052c; excerpt="Returned Deposit Item $25.00"	Source
Returned Deposit Item
Account ServicesVerified
Notary Service	$5Within the typical range ($0–$5 nationally)	$2.50 above the national median	—	Knox deterministic extraction from Rosetta artifact #7337. canonical_hint=notary_fee; text_hash=0cd4584135b428c662a049d90f4e0bd6013cc74b6d4255cb4e3caf35f7a8052c; excerpt="\| Notary Service \| $5.00"	Source
Lending FeesVerified
Skip A Pay	$35Above the typical range ($15–$25 nationally)	$12.50 above the national median	—	Knox deterministic extraction from Rosetta artifact #7337. canonical_hint=late_payment; text_hash=0cd4584135b428c662a049d90f4e0bd6013cc74b6d4255cb4e3caf35f7a8052c; excerpt="Skip A Pay \| $35.00"	Source
Other FeesVerified
Photocopy Fee	$0.25Below the typical range ($2–$5 nationally)	$2.75 below the national median	—	Knox deterministic extraction from Rosetta artifact #7337. canonical_hint=document_reproduction; text_hash=0cd4584135b428c662a049d90f4e0bd6013cc74b6d4255cb4e3caf35f7a8052c; excerpt="Photocopy Fee \| $0.25"	Source
Statement Copy

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

NSF fee: $30

NSF fee is aligned with the national median

Total fees: 17 — leaner than most institutions

Published fees

Under review

Assets

$5.0M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$5.0M

Total deposits

$3.6M

Service charge income (year to date)

$18K

Fee income ratio

7.3%

Return on assets

2.37%

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

Unlock all 61 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.

Based on 25,624 verified fees from 2,223 institutions

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